The Best Mortgage Lenders in Huntington, TX
Compare verified mortgage lenders serving Huntington, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Huntington
Featured Mortgage Lenders
Mortgage Department
First Bank & Trust East Texas
First Bank & Trust East Texas is a highly respected community bank with deep roots in East Texas, serving Huntington and surrounding areas for over 120 years. Their mortgage team receives exceptional ratings for personalized service, competitive rates, and deep local market knowledge. As a local institution, they understand the specific needs of Huntington residents and offer a full range of mortgage products with the convenience of local decision-making and long-term relationship banking.
Loan Types:
Mortgage Lending Team
Prosperity Bank
Prosperity Bank maintains a strong presence in East Texas with multiple branches serving the Huntington area. Their mortgage division is praised for competitive rates, efficient processing, and excellent customer communication throughout the loan process. With decades of experience in the region, they understand local property values and market conditions, making them a reliable choice for Huntington homebuyers seeking both conventional and government-backed loan options.
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Mortgage Broker Services
Pineywoods Mortgage
Pineywoods Mortgage is a highly-rated local mortgage brokerage serving Huntington and the entire East Texas region. They excel at finding the best loan programs and rates from multiple lenders, providing Huntington residents with exceptional choice and value. Their team receives outstanding reviews for responsiveness, expertise with rural properties common in the Huntington area, and guiding borrowers through complex financing situations with patience and professionalism.
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Frequently Asked Questions
Common questions about mortgage lending in Huntington, TX
What are the current mortgage rates like in Huntington, TX, and how do they compare to state averages?
Mortgage rates in Huntington typically align with national and East Texas regional averages, often slightly lower than in major metropolitan areas like Houston or Dallas due to lower perceived risk. As of recent trends, you can expect competitive conventional loan rates. It's advisable to check with local credit unions like Altra Federal Credit Union or community banks, as they sometimes offer very competitive terms for residents in smaller markets like Huntington.
Are there any down payment assistance or first-time homebuyer programs specifically for Huntington residents?
Yes, Huntington homebuyers can access statewide programs like the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program, which offers down payment assistance and competitive mortgage rates. Additionally, the Deep East Texas Council of Governments (DETCOG) may have resources for Angelina County. Working with a local lender familiar with these programs is key, as they can guide you through the income and purchase price limits that apply in our area.
How does the appraisal process work in Huntington, given its rural setting and mix of property types?
Appraisals in Huntington and surrounding Angelina County require appraisers familiar with rural valuations, comparing properties with similar acreage, well/septic systems, and outbuildings. Unlike urban areas, "comps" (comparable sales) may come from a wider geographic radius, including nearby communities like Lufkin or Zavalla. This can sometimes lead to valuation challenges, so ensuring your lender uses local appraisal management companies is important for a fair assessment.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Huntington?
Angelina County property taxes are a significant component of your monthly escrow payment, with rates typically around 1.5-2.0% of the appraised value. Homeowners insurance in this wooded, East Texas region can be higher than average due to wildfire risk and the potential for wind/hail damage. It's crucial to get accurate insurance quotes early in the process to ensure your total debt-to-income ratio and monthly payment estimates are realistic.
Are USDA Rural Development loans a common and viable option for mortgages in Huntington, TX?
Absolutely. Given Huntington's location, many properties in and around the city are eligible for USDA Rural Development loans, which offer 100% financing (no down payment). This is a highly popular and advantageous program for qualified buyers in our area, as it directly supports homeownership in designated rural communities. A local mortgage officer can quickly determine if a specific property address meets the USDA's eligibility map guidelines.
Why Choose a Mortgage Lender in Huntington?
Local Market Knowledge
Lenders who understand Huntington's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Texas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Huntington and get competitive rates on your home loan.